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A policy that covers a number of people under a single master contract issued to the employer or to an association with which they are affiliated and that is not self-funded is usually called


A) group policy.
B) individual policy.
C) a government plan.
D) a self-insured plan.

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Which of the following is not an advantage of managed care?


A) Healthcare costs are usually contained.
B) Access to specialized care and referrals is limited.
C) Most preventive medical treatment is covered.
D) Out-of-pocket expenses tend to be less than traditional insurance.

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B

The medical assistant should always verify which of the following prior to the patient's appointment?


A) Eligibility
B) Benefits and exclusions
C) Effective date of insurance
D) All of the above

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The maximum amount of money third-party payers will pay for a specific procedure or service is called the


A) benefit.
B) allowable amount.
C) allowed service.
D) incurred amount.

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Organizations that fund their own insurance programs offer their employees


A) group coverage.
B) individual coverage.
C) government plans.
D) self-funded plans.

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The physician who enters into a contract with an insurance company and agrees to certain rules and regulations is called a ______ provider.


A) participating
B) paying
C) physician
D) None of the above

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Veterans of the U.S.armed forces may be covered by


A) CHAMPVA.
B) TRICARE.
C) workers' compensation.
D) Blue Cross/Blue Shield.

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A

Employee-sponsored group policies usually provide greater benefits at lower premiums because of the large pool of people from whom premiums are collected.However,these employee-sponsored group health insurance plans offer limited benefits,and healthcare access is limited to healthcare providers that are contracted with them.


A) Both statements are true.
B) Both statements are false.
C) The first statement is true;the second is false.
D) The first statement is false;the second is true.

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Which of the following plans require healthcare providers to become participating providers?


A) All government-sponsored health plans
B) Most privately sponsored health plans
C) Indemnity health insurance plans
D) Both A and B
E) All of the above

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Which of the following are not reviewed by a utilization review committee?


A) Physician referrals
B) Cases of emergency department visits and urgent care
C) Individual cases to ensure medical care services are medically necessary
D) Fees for services provided

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A type of insurance that protects workers from loss of wages after an industrial accident that happened on the job is called


A) an individual policy.
B) workers' compensation.
C) unemployment insurance.
D) disability insurance.

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If Mr.Jones's insurance has a $500 deductible and a $50 surgery co-pay and then pays 80% of the charges,how much will his policy pay on his bill of $4,359?


A) $3027.20
B) $3047.20
C) $3047.00
D) $3067.50

Correct Answer

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A payment method in which providers are paid for each individual enrolled in a plan,regardless of whether the person sees the provider that month,is called a ______ plan.


A) capitation
B) self-insured
C) managed care
D) fee-for-service

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Medigap polices cover which of the following?


A) Difference between major medical reimbursement and patient financial responsibilities
B) Difference between Medicare reimbursement and patient financial responsibilities
C) Any services not covered under Medicare
D) Any services not covered under Major medical

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B

Which of the following individuals would not normally be eligible for Medicare?


A) A 66-year-old retired woman
B) A blind teenager
C) A 23-year-old recipient of AFDC
D) A person on dialysis

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Dependents of military personnel are covered by which of the following government-sponsored health insurance plans?


A) Medicaid
B) Medicare
C) TRICARE
D) CHAMPVA
E) Workers' compensation

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If Mr.Jones's insurance has a $500 deductible and a $50 surgery co-pay,how much will his insurance pay on his bill of $4,359?


A) $3,809
B) $2,809
C) $3,980
D) $3,900

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Under which of the following Medicare plans for primary care and specialists' services is the patient required to pay a monthly premium?


A) Part A
B) Part B
C) Part C
D) Part D

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Most of today's health insurance policies cover which of the following?


A) Preventive care
B) Procedures deemed medically necessary
C) Elective procedures
D) All of the above
E) Both A and B

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Which part of Medicare covers prescription drug services?


A) A
B) B
C) C
D) D

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